XRP Faith Hits New Highs As Long-Term Holders Talk Of Historic Endgame

Christian Encila

Last Updated: December 18, 2025 7:00 pm

3 mins read

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Reports have circulated across social channels this week after a prominent XRP commentator warned critics that they may be underestimating the token’s long-term role in finance.

According to a post on X by user UnknowDLT, XRP’s place in global payment rails was “planned more than a decade ago,” and the token could one day become “the most valuable asset in the world,” a claim that has stirred both debate and disbelief.

Community Voice Turns Loud

Supporters in the XRP community have long argued that market prices miss bigger shifts. Based on reports from prominent community accounts, followers say short-term trading noise hides structural moves that could lift demand for XRP over many years.

One commentator, X Finance Bull, has suggested that Ripple’s escrow — which holds 34.4 billion XRP — will act as locked liquidity for banking corridors and institutional use, not as stockpiled supply destined for retail dumps.

The world is NOT ready for what is coming for XRP. It was planned more than a decade ago, it is going to be the most valuable asset in the world. There will be war for your XRP. People keep laughing at XRP.

They will end up crying for life, the end will be tragic for them.

— {x} (@unknowDLT) December 15, 2025

Regulatory Moves And Institutional Aims

Ripple’s recent regulatory steps are central to the bullish case. Reports have disclosed that the company received conditional clearance from the Office of the Comptroller of the Currency to pursue a national trust bank charter, and that it is seeking a Federal Reserve master account.

Community analysts argue those developments, if fully realized, would move Ripple closer to mainstream financial plumbing and could change how markets view token supply and institutional demand.

$XRP HOLDERS 🚨🚨🚨 If you’re thinking about selling your $XRP right now, THINK AGAIN!

Remember this? Brad Garlinghouse confirmed the CLARITY Act is expected in early 2026.

That’s not a maybe. That’s a countdown.

And when it passes, Ripple will be forced to declare the fate of… https://t.co/s1E2KnarnM pic.twitter.com/C4xAcKDltR

— X Finance Bull (@Xfinancebull) December 15, 2025

Some supporters also point to a possible US Clarity Act as a legal milestone, with a timeline floated by some voices for passage in the first half of 2026.

Tokenization And Big Numbers

Analysts and company projections are being used to sketch wider potential. Ripple has suggested the tokenization market could grow to $19 trillion by 2033.

XRPUSD currently trading at $1.86. Chart: TradingView

Other commentators take that figure and run scenarios: if a slice of that activity used the XRP Ledger, price forecasts can balloon — with one cited bullish figure at $189 per XRP under high-adoption cases.

Some community voices expect large-scale tokenization momentum to build between 2026 and 2027, which they say would favor high-throughput ledgers like XRP’s.

Numbers And Forecasts

Not everyone shares the same optimism. Several firms mentioned by community members put much lower targets on XRP, with conservative models forecasting prices under $30 by 2030.

Other professional models place $100 XRP well beyond the next decade. Traders and investors are left to weigh three competing threads: legal clarity, technical capacity, and whether escrowed holdings will be used for institutional flows rather than sold.

Featured image from Unsplash, chart from TradingView

Christian Encila

They say journalists never truly clock out. But for Christian, that's not just a metaphor, it's a lifestyle. By day, he navigates the ever-shifting tides of the cryptocurrency market, wielding words like a seasoned editor and crafting articles that decipher the jargon for the masses. When the PC goes on hibernate mode, however, his pursuits take a more mechanical (and sometimes philosophical) turn.

Christian's journey with the written word began long before the age of Bitcoin. In the hallowed halls of academia, he honed his craft as a feature writer for his college paper. This early love for storytelling paved the way for a successful stint as an editor at a data engineering firm, where his first-month essay win funded a months-long supply of doggie and kitty treats – a testament to his dedication to his furry companions (more on that later).

Christian then roamed the world of journalism, working at newspapers in Canada and even South Korea. He finally settled down at a local news giant in his hometown in the Philippines for a decade, becoming a total news junkie. But then, something new caught his eye: cryptocurrency. It was like a treasure hunt mixed with storytelling - right up his alley!

So, he landed a killer gig at NewsBTC, where he's one of the go-to guys for all things crypto. He breaks down this confusing stuff into bite-sized pieces, making it easy for anyone to understand (he salutes his management team for teaching him this skill).

Think Christian's all work and no play? Not a chance! When he's not at his computer, you'll find him indulging his passion for motorbikes. A true gearhead, Christian loves tinkering with his bike and savoring the joy of the open road on his 320-cc Yamaha R3. Once a speed demon who hit 120mph (a feat he vowed never to repeat), he now prefers leisurely rides along the coast, enjoying the wind in his thinning hair.

Speaking of chill, Christian's got a crew of furry friends waiting for him at home. Two cats and a dog. He swears cats are way smarter than dogs (sorry, Grizzly), but he adores them all anyway. Apparently, watching his pets just chillin’ helps him analyze and write meticulously formatted articles even better.

Here's the thing about this guy: He works a lot, but he keeps himself fueled by enough coffee to make it through the day - and some seriously delicious (Filipino) food. He says a delectable meal is the secret ingredient to a killer article. And after a long day of crypto crusading, he unwinds with some rum (mixed with milk) while watching slapstick movies.

Looking ahead, Christian sees a bright future with NewsBTC. He says he sees himself privileged to be part of an awesome organization, sharing his expertise and passion with a community he values, and fellow editors - and bosses - he deeply respects.

So, the next time you tread into the world of cryptocurrency, remember the man behind the words – the crypto crusader, the grease monkey, and the feline philosopher, all rolled into one.

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